We spend $1 out of every $6 on health care in the United States. That’s much higher than any other wealthy country in the world. Yet, we have lower life expectancies than dozens of countries out there. Where does the problem lie? A professor at MIT looked into the subject and found that most of the money was going to hospitals, doctors and pharmaceutical companies. It happens because we don’t act like consumers when it comes to our health care. Instead of asking what something costs, we just care about what the co-payment is. HSAs will help curb this way of thinking, in Clark’s opinion. Health savings accounts require that we monitor what we spend because of the way they are structured. We don’t know if these will have an affect, but Clark sure hopes so. We must change how each of us views our responsibility if we want the health care system to improve.